First and foremost, I want to say thanks to each and everyone of you. Reading your posts really helped me through the c7 process.

A little background... I was discharged yesterday. I did not reaffirm my home and I have always been current. My post BK credit score is a 641. I applied...

Has anyone ever modified their mortgage while in Chapter 13? Reason I asked is that my lender sent me a letter in the mail offering to roll my arrears back into the loan and give me a fixed rate also. This all depends on if the Court allows it.